The Murray Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The largest change between Q1 2026 and Q2 2026 was in Total interest expense, which fell 5.9% to $2.3M. Within Kentucky, The Murray Bank is 90th of 119 on net interest margin, 3.57% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The Murray Bank sits 0.38 points lower, at 3.57% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.26% |
| Yield on loans | 6.39% |
| Yield on securities | 1.93% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.87% |
| Cost of interest-bearing deposits | 2.32% |
| Cost of interest-bearing liabilities | 2.33% |
| Cost of borrowings | 3.77% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.57% |
| Yield to cost spread | 2.93% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.4M |
| Total interest expense | $2.3M |
| Interest expense on deposits | $2.2M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.51% | 1.83% | 2.79% | 5.73% | 2.01% |
| Q4 2023 | 4.74% | 2.01% | 2.84% | 5.99% | 2.03% |
| Q1 2024 | 4.81% | 2.09% | 2.84% | 6.06% | 2.02% |
| Q2 2024 | 5.05% | 2.30% | 2.89% | 6.33% | 2.01% |
| Q3 2024 | 5.32% | 2.52% | 2.96% | 6.56% | 2.00% |
| Q4 2024 | 5.41% | 2.48% | 3.08% | 6.62% | 2.01% |
| Q1 2025 | 5.31% | 2.28% | 3.19% | 6.50% | 1.95% |
| Q2 2025 | 5.40% | 2.21% | 3.37% | 6.60% | 1.95% |
| Q3 2025 | 5.45% | 2.21% | 3.45% | 6.71% | 1.94% |
| Q4 2025 | 5.52% | 2.11% | 3.59% | 6.72% | 1.93% |
| Q1 2026 | 5.32% | 1.96% | 3.55% | 6.53% | 1.89% |
| Q2 2026 | 5.26% | 1.87% | 3.57% | 6.39% | 1.93% |
The Murray Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Murray Bank, freeSource: Call Report Schedules RI and RC-K, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Murray Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35161) · FFIEC NIC profile (RSSD 2819242)